# Moonwell > Lending made simple Moonwell is a decentralized lending and borrowing protocol operating across multiple blockchains. It lets users supply digital assets to earn interest and borrow against collateral through a non-custodial interface. Moonwell is a decentralized lending and borrowing protocol that lets users supply digital assets to earn interest or borrow against collateral without giving up custody of their funds. It operates across multiple blockchain networks, including Base and Ethereum, giving users a consistent experience regardless of which network they choose. The protocol is aimed at everyday DeFi users seeking straightforward access to onchain credit markets. The protocol addresses the complexity often found in onchain lending by offering a simplified interface for supplying, borrowing, and claiming rewards. All lending and borrowing activity is recorded onchain, and changes to protocol parameters are proposed and approved through onchain governance rather than controlled by a single operator. Smart contracts underpinning the protocol have undergone independent security audits. Beyond core lending and borrowing markets, Moonwell offers yield-bearing vaults, isolated markets for higher-risk assets, and a governance token that can be staked through a safety module. It also provides developer tooling for building on top of the protocol. Moonwell is used by individual holders looking to earn yield or access liquidity, as well as by developers integrating its markets into other applications. - Type: Protocol - Sector: DeFi - Status: Active - Founded: 2022-01-01 - Profile: https://thegrid.id/profiles/moonwell ## Products - [Moonwell Protocol](https://thegrid.id/profiles/moonwell): Moonwell Protocol is a decentralized lending and borrowing platform that lets users supply digital assets to earn yield or borrow against posted collateral. It operates through isolated markets with dynamic, algorithmic interest rates and includes tokenized vaults that route deposits across lending markets for aggregated yield. The protocol is governed by its community and runs across multiple blockchains, giving users a consistent interface for money-market activity regardless of network. (Decentralised Borrowing & Lending, Live, Main Product) - [Moonwell Card](https://thegrid.id/profiles/moonwell): Moonwell Card is a physical and digital VISA card that lets users spend cryptocurrency at merchants that accept VISA. Loaded balances are converted from onchain assets to fiat through a partner's banking rails, enabling real-time point-of-sale and online payments. It supports mobile wallet payments, automated reloading, and spending controls, and works across a broad set of countries. (Card, Inactive/Support Ended) - [MAMO](https://thegrid.id/profiles/moonwell): MAMO is an automated yield strategy platform that deploys a personal strategy contract for each user to hold and grow deposited funds. The service allocates deposits between core lending markets and aggregated vault markets, dynamically adjusting the split based on where yield is higher. Reward tokens accumulated by each strategy are automatically converted and compounded back into the position, and the underlying funds remain owned by the user rather than the platform. (Yield Aggregator, Live) ## Assets - [Moonwell (WELL)](https://thegrid.id/profiles/moonwell): WELL is the governance token of Moonwell Protocol, a multi-chain lending platform. Holders use it to vote on protocol upgrades, parameter changes, and treasury allocations, and can stake it in the Safety Module to help insure the protocol against shortfall events. The token follows the xERC20 standard, allowing native, unified issuance and governance across several blockchain networks rather than relying on a single bridged representation. (Governance) - [Moonwell Family (MFAM)](https://thegrid.id/profiles/moonwell): MFAM is the governance token of Moonwell Apollo, a lending and borrowing protocol deployed on Moonriver. It is used to vote on protocol changes and can be staked in the Safety Module to fund insurance reserves that cover shortfall events. Moonriver served as an incubation network for testing products before deployment on other chains. (Governance) ## Links - [Main](https://moonwell.fi) - [Documentation](https://docs.moonwell.fi) - [Forum](https://forum.moonwell.fi) - [Blog](https://mirror.xyz/moonwell.eth) - [Terms of Service](https://docs.moonwell.fi/moonwell/protocol-information/terms-of-service) - [Governance](https://moonwell.fi/governance) - [Twitter / X](https://x.com/MoonwellDeFi) - [Telegram](https://t.me/moonwellfichat) - [GitHub](https://github.com/moonwell-fi) - [Discord](https://discord.gg/moonwellfi) - [Telegram](https://t.me/moonwellfi) ## Legal This data is provided under two licensing models. Model 1 - open data. 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